Toca Life World

Build your credit score to 750+. Join over 5 Million Indians building their credit score with GoodScore. Check your credit score, get a detailed credit report and expert advice to build your credit score.

Get access to your detailed credit report and a complete account by account analysis of your credit profile from our team. This analysis will be given to you in the form of a detailed video & step-by-step plan – where we will provide important tips and suggestions to help you achieve your ideal credit score.

GoodScore's credit score is powered by Experian and CRIF High Mark - 2 of the 4 credit bureaus authorized by RBI.

How does GoodScore work?

The information on your credit report summarizes how you manage credit, including payment history, credit accounts, outstanding balances, defaults, credit utilization, credit mix and loan enquiries – all of which are important factors that impact your credit score.

We analyze all your active and closed credit accounts for payment patterns and credit behaviour and offer personalized guidance to help you make the right decisions as you work towards achieving your desired credit score.

GoodScore helps you understand the factors that affect your CRIF and Experian credit scores and gives you a personalized video recording on how to manage your credit.

Our credit score builder service includes the following

• Monthly tracking of your credit score and detailed report
• Identifying areas which are affecting your credit score
• Tips on how to manage your credit score
• Monthly review of financial decisions and steps taken

Check your credit score

You can check your Experian and CRIF High Mark Credit Score any time on the app. Experian and CRIF High Mark are among the four major Credit information companies in India.

We're also working towards onboarding the other 2 credit bureaus namely CIBIL & Equifax through which you can check your CIBIL score soon. We'll update you as soon as these credit bureaus are available on the app.

Benefits of using GoodScore

Your credit health will always be in your control with GoodScore:

• Check your credit score and credit report on the go
• Get personalized insights through a detailed video
• Keep track of all your loan and credit accounts under one tab
• Set reminders for bill payments & EMIs

When you have a good Credit score, you'll become eligible to get loans & credit cards from India's top banks like HDFC Bank, SBI, Bank of Baroda, PNB, ICICI Bank, Axis Bank, IDFC First Bank, IndusInd Bank, Bandhan Bank, RBL Bank, Federal Bank, etc.

Are CRIF and Experian credit scores different from CIBIL?

CRIF, Experian and CIBIL are different platforms owned by different credit information companies. However, all 3 companies are approved by the Reserve Bank of India.

The parameters chosen by CIBIL TransUnion, Experian & CRIF High Mark are majorly similar. All 3 companies have a similar mechanism to calculate the credit score. They use repayment history, credit mix, new credit and outstanding debt to make the credit report.

Having a good credit history in CIBIL will have somewhat similar results with CRIF High Mark and Experian as well.

Important Note: GoodScore DOES NOT provide any credit repair service. The information provided in the app is for educational purposes and is only a personalized guidance based on a customer's credit report.

App permissions and reasons: We need SMS permissions for transactional messages only. This permission is taken to help users keep track of their bills & loan payments and provide timely reminders. None of the information is shared with any third party or institution. We have a highly secured & encrypted system to ensure the safety of information shared by our users.

Contact us

Phone number: 08065663363
Email: help@goodscore.app
Address: 57/4, Vajram Esteva, 2nd Floor, Marathahalli-Sarjapur Outer Ring Road, ORR, Devarabisanahalli, Bengaluru, Karnataka 560103